Financing

Ready to pop the question or have other financing needs for your jewelry purchases? We offer a variety of reduced interest and interest free financing options. Don't compromise on an important purchase; contact Bob III today at 508-673-2251, or [email protected].

As an independent family owned jeweler, we're committed to working with you and your individual financing needs, to find an arrangement that works for everyone involved. Please don't hesitate to call or email and discuss your personal financing situation.

We offer several different levels of financing programs and we approve 8 out of every 10 people that apply.

Your Financing Options:

INTEREST FREE FINANCING

We offer a variety of different financing options, including interest-free financing. Depending on your credit and the amount of purchase, you can get 6 or 12 months interest free on your purchase (this goes for any kind of jewelry, not just a diamond engagement ring).

We also offer a plan where you can receive a lowered 9.9% interest rate. If you feel like you’ll need longer than a year to pay for your ring, than take the time you need, and take advantage of an interest rate that's better than most credit cards.

LAYAWAY

Depending on the strength of your credit and the type of ring you’d like to buy, you can always place the ring on layaway for a period of time and make payments while the ring waits in our safe. There are no credit checks or interest charges for layaway, because you don’t take the ring until it’s paid for in full.

This is a great option for couples that have joint checking accounts, or a girlfriend that always seems to get to the mailbox before you do! We don’t mail out statements on layaways, we just ask that you make a payment every month, and keep us in the loop.

Out general policy on layaway is no more than 180 days and at least 20% down. But we’re very flexible if you want more time or need to make a smaller deposit.

COMBINING THE TWO

Some customers will opt to combine the two options, and double their financing pleasure! Say you were approved to 12 months interest free, but you didn’t plan on getting engaged for 3 months. We can leave the ring on layaway for the 3 months and then run the financing when you’re ready to pick up and propose. There’s no reason to start the clock on the 12 months before you actually have the ring.

Another way to combine the two is, say you’ve selected an engagement ring that costs $6,000 and you were approved for $4,000 in financing. You could put the ring on layaway while you paid off the $2,000 and then finance the remaining $4,000 when you’re ready to pickup.

We also accept the more traditional forms of payment, like cash, checks, and all major credit cards, including Discover and American Express. You also have the option of recycling old gold, silver, platinum and diamonds towards your purchase.

We offer 50% extra as store credit on all recycled metals. So if you had $500 worth of old gold and silver, you would get a credit of $750 towards your engagement ring. So hunt around for your old class ring, or necklace that you no longer wear. It’s probably worth more than you think.

GET PRE-APPROVED TODAY

We now offer the ability to get pre-approved for credit online. Answer some basic questions about your finances and see if you meet our minimum requirements for credit approval. Bring your pre-approval code in the store and you're on your way to the ring of her dreams!

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